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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $3,763 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,910 | $51,466-69.1% | $78,778-79.8% | $62,293-74.5% |
| Participation rate | 19.5% | 59.8%-40.3pp | 69.2%-49.7pp | 69.5%-50.0pp |
| Annual return | 7.97% | 19.96%-12.0pp | 35.62%-27.7pp | 28.90%-20.9pp |
| Employer contribution / active EE | $0 | $827-100.0% | $1,986-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,278 | $2,147-40.5% | $2,958-56.8% | $3,169-59.7% |
| Admin fee / account holder | $121 | $489-75.2% | $5,134-97.6% | $479-74.7% |